Paying Too Much
on Your Car Loan?
Review refinancing options for your existing auto loan. Available rates, payments, and terms depend on your application and lender requirements.
You may want to explore refinancing if you:
Your credit profile has changed since your current loan
You want to compare a different interest rate or payment
You want to review the equity in your vehicle
You want to compare a different loan term
You want to understand your current financing costs
You want to discuss options with a credit manager
Not sure if you qualify? Apply anyway — our team will review your situation.
Why Refinance Your Auto Loan?
Refinancing can change your payment, rate, or term. Compare the full cost before deciding.
Compare Monthly Payments
A different term or rate can change your monthly payment and total borrowing cost.
Review Vehicle Equity
Ask your lender whether your vehicle's equity matters for your options.
Compare Loan Terms
A different term can change your payment amount and the total cost of borrowing.
Review Your Credit Profile
Your credit profile is one of several factors a lender may consider.
How It Works
Here are the four steps to review refinancing options.
Start an Application
Complete a short online form about your current loan and situation.
We Review Your Loan
Our team reviews available lender options for your current loan.
Review the Terms
Compare the payment, rate, term, and total borrowing cost before deciding.
Complete the Next Steps
If you choose an offer, your lender and dealership will explain the paperwork and timing.
Want to Review Your Payment Options?
Apply to explore refinancing options. A credit manager can explain the available terms and next steps.
Frequently Asked Questions
Common questions about auto loan refinancing.
How much can I save by refinancing?
It depends on your current loan, the new rate, the term, and fees. Compare the payment and the total borrowing cost before you decide.
Will refinancing affect my credit profile?
A lender may need to complete a credit inquiry as part of the review. Ask the lender how the inquiry and a new loan could affect your credit profile.
How long does the process take?
Timing depends on your application, documents, lender review, and the vehicle. Our team will explain the next steps for your situation.
Can I refinance with bad credit?
Some lenders may consider a range of credit situations. Available options depend on the applicant, vehicle, existing loan, and lender requirements.